FNMA now has no credit scores when applying for a mortgage
What Does “No Credit Score Mortgage” Mean (for FNMA)
Policy Change
As of November 15, 2025, Fannie Mae’s automated underwriting system (Desktop Underwriter, or DU) will no longer require a minimum third-party credit score.
Fannie Mae
Instead of relying on a fixed cutoff (like “you must have a 620 FICO”), DU will use Fannie Mae’s proprietary risk-assessment model to evaluate credit risk.
Fannie Mae
That model considers more than just credit score: payment history, “trended” credit data, nontraditional credit sources like rent, utilities, and so on.
Fannie Mae
Nontraditional Credit Allowed…
The skinny
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